With regards to getting credit in the UK:
It isn't as simple as being on the votor's roll I'm afraid. There are many more factors that are taken into account then whether or not you are on the votor's roll.
Most banks and building societies work on what is called a credit score. This score takes into account many things such as:
- Length of time at your address or previous addresses
- Your age
- Your marital status
- Your salary
- Your job title
etc etc
They also check with either Equifax of Experian who are two of the main credit record agencies in the
UK to make sure you haven't had any defaults or CCJs.
Whether you are on the votor's roll or not only makes up a small part of the overall score.
Also, I have worked in finance for over 6 years, mainly in mortgages, and I can tell you that it is a myth that you need to be on the votor's roll to get a mortgage too.